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Insurance:Flood Articles from

Published: Tue, 25 Oct 2016 16:29:52 -0500


Things To Do Before Hurricane Season Begins - How To Get Prepared For Flood Damage

Wed, 01 Jun 2016 13:07:47 -0500

Preparing for Hurricane season is never fun. However, having a flood policy will minimize your risk.

Why Flood Insurance Is Important Even If You Don't Live in a Flood Prone Area

Mon, 02 May 2016 06:02:17 -0500

According to the US disaster list, a flood is one of the most dangerous and devastating natural disasters in the country, which is why, it is highly recommended for the property owners to have flood insurance policies. Many property owners find out too late, and run the risk of financial ruin once a flood has damaged the property.

Flood Restoration Tips: What to Do After a Storm

Fri, 15 Apr 2016 05:58:49 -0500

After a major storm, there can be a lot of damage. The following steps should be taken to expedite flood restoration measures and get the property back into good condition.

Features of Flood Insurance

Mon, 07 Mar 2016 06:04:30 -0600

Were you aware of the fact that your home has a higher chance of being affected by a flood than a fire? As a matter of fact, floods are the primary cause of natural disasters in the U.S. Most people do not know that standard home insurance does not cover damages caused by flood, only flood insurance will help you recover from the losses.

The Need for Flood Insurance Is Real

Tue, 12 Jan 2016 15:17:37 -0600

With all the news of El Nino, is it too late to purchase Flood insurance? Flood insurance for Californians is necessary, more than you know.

Flood Insurance Promises Peace of Mind in Rainy Season

Wed, 03 Jun 2015 05:45:20 -0500

Raining is a possible result of flooding. The flood is a welcoming or even neutral notion. It can play havoc disorders with your property. Moreover, it is also possible that flooding can catch you off your guard if your home does not have a flood insurance coverage. Overall, inundation is harmful to your house. However, certain parts are found to be more vulnerable due to the capacity of floodwater.

What You Need to Know About Flood Insurance

Wed, 27 May 2015 15:10:19 -0500

You may assume that you can get help from government relief programs for water damage. Many consumers find that they need separate flood insurance to cover their losses.

Main Causes of Home Water Damage

Wed, 11 Feb 2015 10:14:54 -0600

There are many causes of water damage. This article talks about the most common occurrences and how to prevent them from happening.

Preparing For A Flood: From Flood Insurance To Keeping Your House Safe

Mon, 12 Jan 2015 13:53:45 -0600

Do you know what to do if your home is damaged by a flood? Here you will learn how to prepare for this natural disaster, from flood insurance to securing your home.

Flood Insurance - Protecting Your Home From Flash Floods

Fri, 18 Apr 2014 09:29:57 -0500

What is flood insurance, what is covered and why we all need it? Basic facts about flood insurance programs and how they work.

Coverage For When Your Basement Floods

Tue, 12 Nov 2013 14:03:03 -0600

Mother Nature just unleashed her fury upon your home and now your basement is flooded. What's worse, most insurance does not include flood damage and yours isn't any different. How do you ensure that the ensuing water damage does not decrease the value of your home? Appropriate restoration equipment and some initiatives from your end will ensure that you never have to sell your home at half its market price -

Top 4 Challenges Brought About By Floods

Tue, 01 Oct 2013 06:38:22 -0500

What is flood insurance? It is a risk management tool available to home owners and property owners to protect themselves in case a flood disaster happens and affect their property. Flood insurance is mostly purchased by individuals who have properties in areas with higher risks of flooding.

Floods Happen All the Time On Planet Earth - It Is Not Global Climate Warming Hope or Change

Tue, 24 Sep 2013 07:55:02 -0500

Is your family ready for the 100-year flood? Most of mine is but a good number of them live close to the beach and it's hard to get out of our heads that footage of the Japanese Tsunami a few years ago. It turns out that of all the potential natural disasters, floods have killed more humans on planet earth than any other - that is if you consider tidal surges from Hurricanes, Cyclones and Typhoons. Yes, let's talk about all this because the National Flood Insurance Program is busy re-drawing the flood maps for our entire country.

The Federal National Flood Insurance Program Has Grown to Epic Proportions - Unworkable

Thu, 19 Sep 2013 06:34:13 -0500

The Federal Flood Insurance Program, referred to as the National Flood Insurance Program (NFIP) is a total disaster, pun intended of course, you know me. How bad has it gotten? Well, they are redrawing flood maps to help get more premiums to pay for their costs, costs which are out of line simply because FEMA is so wasteful, politically correct, and inefficient, even if it is one of the more efficient agencies of our Federal Government. Yes, let's talk about all this shall we?

What Your Flood Insurance Will And Will Not Cover

Tue, 17 Sep 2013 06:38:58 -0500

Whether you own a residential or commercial building, you need flood insurance. Even though your property may not be located in a high-risk area, you still need to have coverage. In fact, statistics show that most insurance claims for flood damage come from low to no-risk areas.

4 Steps To Take To Purchase Flood Insurance

Tue, 17 Sep 2013 06:37:22 -0500

When you purchase or build your own home, one of the most important things is to protect it from as many possible damages as possible. Virtually every homeowner has a home insurance coverage to protect his home from burglary, fires, earthquakes and tornados. However, basic insurance coverage does not protect your home from floods.

Why Flood Insurance Is Separate From Homeowner's Insurance

Mon, 09 Sep 2013 10:43:05 -0500

Most homeowners insurance policy's do not include coverage for flood insurance. As a result homeowners generally need to get a second policy if they wish to insure for the risk of flood from rising water. This brings up the question of why insurance company's do not include flood coverage?

Preparing Homes for Hurricanes

Wed, 14 Aug 2013 13:39:59 -0500

People who live on the Atlantic Coast of the United States are very familiar with hurricanes. These strong tropical storms that top 60mph in wind speeds and bring torrential rain and severe flooding are active from June through October. While forecasters have become much better at tracking hurricanes and issuing warnings to areas that in the path of a hurricane, residents still have to ride the storm out when it makes landfall.

Gauging The Importance Of Specialist Insurance Policies Such As Subsidence Insurance

Wed, 24 Jul 2013 08:04:11 -0500

Some homes around the UK are at risk of subsidence, which is where the building shrinks into the ground, and these homes may need a specialist insurance policy to protect them. Likewise there are a huge amount of homes prone to flooding around the UK - fortunately, you can get a specialist policy for these homes.

4 Tips on Getting the Best Flood Insurance

Tue, 09 Jul 2013 06:21:08 -0500

Flood insurance is highly desirable for those living in a flood prone area. A fully comprehensive policy is able to offer a high level of protection for the home against a range of damage caused by a flood. This type of insurance is widely available for the businesses, renters, and private homeowners.

Why Building Insurance Subsidence Cover Is Imperative For Any Property Suffering From Sinking

Thu, 02 May 2013 11:23:20 -0500

If you want to protect your home, especially if it has had a bout of landslip, then insurance that covers you against something like that is considered to be imperative. Having a heaving problem or an issue with any sort of subsidence can affect a number of different properties across the United Kingdom.

Water Will Find a Way

Wed, 24 Apr 2013 10:30:14 -0500

Water damage insurance claims have risen in recent years. What can you do to protect yourself?

Geography, Flood Risks and Distribution Business Insurance

Fri, 22 Mar 2013 11:50:47 -0500

The physical geography of a particular business location is often the most important consideration when underwriting a distribution business insurance policy. Recent nationwide extreme weather events and flood losses have led to rising insurance premiums for business that are located for historical reasons.

5 Easy Ways to Making a Successful Home Insurance Claim

Mon, 25 Feb 2013 14:50:54 -0600

This article will explain the steps you must follow to make a successful home insurance claim. Insurance providers often use policy holders lack of experience in making claims in order to settle the claim for less than what they are entitled to, which if you are making a large claim (maybe due to a fire, flood or theft) can cost you a considerable amount of money. This can mean your home isn't fully restored to it's former standard, or your possessions can not be replaced to the same quality. Follow these easy steps and you will get exactly what you are entitled to, and nothing less.

The National Flood Forum Reports Variations in the Handling of Flood Victims by Insurance Companies

Wed, 13 Feb 2013 10:58:33 -0600

The National Flood Forum has recently reported that Insurance companies vary greatly in the way they handle flood victims claims. The charity says that people living on the same street will all be paying completely different premiums and excesses, it is of concern that this is very much the 'norm' and not unusual.

Home Owners Living In Flood Risk Area's Are at Risk of Being Uninsurable!

Tue, 12 Feb 2013 14:02:24 -0600

The 'Statement Of Principles' contract ensures that flood prone properties will still be offered insurance/insurance renewal offer, but it expires in July 1st 2013, and there is no certainty that any protection will replace it. Simon Douglas (Director of AA Insurance) believes there are approx. 5.

Hurricane Sandy Raises Again the Psychology of Black Swan Events

Fri, 04 Jan 2013 11:37:20 -0600

How management should protect the organization from the rare but severe occurrence. Why do so many companies and individuals fail to purchase flood insurance (as just one example of unexplainable behavior in terms of basic risk management)? The 2012 Mega Storm event in New York and New Jersey exposed a problem common with "Black Swans."

Hurricane Sandy: Will Insurance Companies Cover the Cost?

Wed, 12 Dec 2012 13:06:44 -0600

Hurricane Sandy swept through the East Coast on October 29, 2012. New York and New Jersey were hit the hardest and suffered the most property damage. All states from Maine to Virginia experienced some degree of destruction. Unfortunately, many homeowners and business owners are learning that their insurance policies do not provide coverage for all of their financial losses.

The Increase Of Flooding In The UK

Fri, 16 Nov 2012 15:41:35 -0600

There are a lot of rivers in the United Kingdom and as an island state, there is also an extensive coastline. During the summer of 2007, there was an unusual amount of extreme weather which led to a lot of flooding and this resulted in over...

How to Purchase a Flood Insurance Policy?

Tue, 13 Nov 2012 10:45:43 -0600

Want to purchase flood insurance but not sure how? This article will explain where to get it, how much it cost and what to do if you want to cancel it.

Dry Ice Blast Cleaning After Natural Diasters

Wed, 07 Nov 2012 15:15:16 -0600

Hurricanes, tropical storms, tornadoes, floods and fire all wreak havoc on lives and the landscape. Natural disasters destroy billions of dollars in personal property every year. Learn the proper response to a natural disaster when your property has sustained damage and how dry ice blast cleaning can save you time, money and heartache during the cleanup process.

Why Do You Need Flood Insurance?

Tue, 06 Nov 2012 11:48:50 -0600

A flood is defined as an overflow of inland or tidal waters, rapid accumulation or runoff of surface water from any source, and a collapse of a land because of excessive erosion due to flood, mudslides caused by accumulations of water on the ground or underground. Any homeowner or renter should protect their property and purchase flood insurance. Depending on your request, a flood policy can cover the dwelling with the content or just the contents.

What Happens When the Flood Insurance Runs Out?

Wed, 05 Sep 2012 13:08:21 -0500

Government and the Insurance Industry came together after the massive 2007 flooding in England and a deal was struck to ensure cover was generally continued and at reasonable premium rates. However, since then the government's Flood Defence budget has been cut and the Insurance Industry say that after June 2013, next year, the current deal will not be continued. So, what is in the offing: what can we expect as a consequence of this situation?

Home Insurance - What to Do If Your Home Is Flooded

Wed, 29 Aug 2012 13:17:49 -0500

The UK weather over the last decade has proved to be very unpredictable with a number of freak weather occurrences causing householders property damage including storms, floods and burst pipes during extreme freezing conditions. So, if you are unlucky to be in the path of the unstoppable Mother Nature, what should you do if your home is flooded? Here are some before, during and after tips to help you during a potentially very difficult time.

Protecting Your Assets Against Losses in Times of Calamities and Disasters

Wed, 29 Aug 2012 11:16:00 -0500

A few weeks after the devastation brought about by recent typhoon Helen and monsoon rains (Hanging Habagat) that major portions of the Luzon area and Metro Manila were severely affected. It has brought havoc among the residents of the affected areas and everything has halted in a matter of hours when the rains came showering in.

Do You Really Need That Flood Insurance?

Mon, 20 Aug 2012 14:40:58 -0500

FEMA Elevation Certificates are used to determine if your house or structure is in a Flood Hazard Area. A lot of Mortgage companies are automatically putting Flood Insurance on houses that may or may not be in a Flood Hazard Area. We can file LOMA (Letter of Map Amendment) to the Federal Emergency Management Agency (or FEMA) on a case by case basis. FEMA will review each LOMA and determine if the structure is indeed out of the FHA and then send a letter stating so.

Flooding Help: Tips on Claiming Compensation From Your Buildings Insurance

Fri, 17 Aug 2012 13:13:11 -0500

The recent floods in the United Kingdom have left many households without a home due to flood damage. Over the past couple of years, the unseasonably high amounts of rainfall that have fallen in the summer months have caused a high level of disruption. In some cases a whole month's rainfall fell in just one day causing a serious amount of damage as river banks burst and torrents of water flooded settlements.

Be Prepared Even Before the Flood Comes

Thu, 26 Jul 2012 16:52:41 -0500

Floods take away dozens of lives each year. Preparation is the key to surviving one.

Condo Flood Disaster (Part 2)

Fri, 25 May 2012 12:33:02 -0500

The second part of this article will focus more on the remediation aspect of a restoring a flood damaged home. It was not an easy process, and made even more difficult when the weather would not cooperate. Mold can be a tough issue to deal with, and when faced with water damage of this magnitude, the mold problems would have been horrendous!

Flood Insurance: The Basics Everyone Should Know

Thu, 10 May 2012 11:05:21 -0500

This is an article about some basic flood insurance information. If you don't know what flood insurance in the United States is, then after reading this article you with have some general knowledge.

Having Insurance for Water Damage

Fri, 09 Mar 2012 07:33:10 -0600

Unpredictable severe weather can produce heavy rains in an instant resulting in residential flooding. Basic home insurance does not cover water damage that occurs to dwellings from this type of disaster. Additional insurance protection is required to insure a homeowner's dwelling is properly mitigated and receives necessary thorough professional restoration.

What Is the Difference Between a Flood Damage and a Water Damage?

Tue, 20 Dec 2011 12:41:36 -0600

Heavy rains can be very beneficial to farmers and the general public for water consumption. People around the world beg for heavy rains, but especially here in the Maryland, DC, Pennsylvania, New Jersey and Delaware area; heavy flooding can be a very big problem. What is the difference between flood damage and water damage when it effects your home and business. Let's talk about the differences.

How Do You Make A Water Damage Or Flood Clean Up Claim To Your Insurance Company?

Thu, 01 Dec 2011 20:18:58 -0600

Have water damage and nervous about making a claim to your insurance company? Find out the facts and steps on how and what to say to the insurance company when making a flood or water damage claim.

Top Tips for Flood Protection

Tue, 25 Oct 2011 08:45:48 -0500

Flood damage can be extensive and expensive. It is not always covered by home insurance policies so it is advisable for homes and businesses to take some simple but effective precautions to minimise the risk to their premises and keep costs to a minimum. Here are some Top Tips to help ensure minimal distress in case of flooding in your property.

Does Your Policy Covers Flood Damage Claims?

Wed, 05 Oct 2011 11:21:02 -0500

Flood damage is covered! Think again?

Why You Should Repair Water Damage Quickly

Thu, 29 Sep 2011 12:41:48 -0500

It is an unfortunate reality that many people underestimate the potential damage water can cause with even limited exposure time. Chemistry teaches that water can be a base or an acid depending on environmental factors meaning that in high acid environments, water acts as a base and in low pH environments, water is slightly acidic. The mutable nature of water affords water the ability to carve through solid rock to create beautiful natural wonders but this same ability can also destroy drywall, plumbing materials, and other common building materials. This point, however, is often forgotten when people deal with water damage.

Flood Insurance: Do You Really Need It?

Thu, 15 Sep 2011 09:40:44 -0500

Standard home insurance policies generally do not cover water damage due to flooding. In the wake of all the earthquakes, hurricanes, tsunamis and other natural disasters in the past several years, it is time to reconsider purchasing flood insurance to cover your home.

Water Damage Restoration 101 - What About My Memories?

Thu, 25 Aug 2011 08:58:34 -0500

Water damage is uncompromising and can be devastating. The stress incurred by loss of the use of your property is bad enough but the loss of irreplaceable pictures and family heirlooms can be a tremendous strain. This article will outline some steps you can use to prevent loss to such items.

Take Out Flood Insurance For Your Home

Thu, 18 Aug 2011 13:14:07 -0500

For the most part, people who own houses always have some kind of insurance that they tale out for their houses just in case calamity strikes. But for those people who live in areas that are prone to flooding or near the water have to take out additional flood insurance since well, their homes are indeed very prone to flooding and everyone knows how damaging those flood waters can be.

Emergency Water Damage Cleanup - Here's What You Need to Know

Wed, 17 Aug 2011 15:27:45 -0500

Your home can be damaged by water seepage from a number of different causes. Some of the most common causes of water damage to homes are builder and contractor negligence. Leaky pipes and blocked drains can make water seep indoors and cause damage to the interiors. Sometimes, natural disasters like floods, storms or hurricanes can also cause a lot of water damage. If you want to arrest and minimize the damage done to your home, you need to hire the services of emergency water damage cleanup experts. The sooner the problem is attended to, the lesser the damage to your home. The cost of cleanup would also be less if the problem is dealt with as early as possible.

Frequently Asked Questions: Water Damage Remediation

Wed, 03 Aug 2011 15:43:47 -0500

You come home and you find your floor is full of water. You identify the source and stop the leak.?Then you grab your wet/dry vacuum cleaner and suck up all the excess water.

What Is the Claims Process for Disaster Victims?

Fri, 29 Jul 2011 09:16:32 -0500

1. Read everything carefully before you sign anything. Your insurance company's representatives will first present you with emergency money - for immediate needs and shelter. The second round of payouts is where you need to be careful. Do not sign anything that limits your rights to seek additional proceeds.

Importance of Flood Insurance and Its Coverage Protection

Wed, 27 Jul 2011 14:19:56 -0500

Flood Insurance is one type of insurance many people fail to realize they need. Most insurance companies offer customers flood insurance although not enough people take advantage of it. In the United States as well other countries there are certain areas that are more prone to floods. In some areas insurance companies require you move from such dangerous flood areas or at least take some preventative measures in case there ever be a flood.

What to Look For in a Flood Insurance Plan

Wed, 27 Jul 2011 12:38:33 -0500

Don't be fooled by blistering hot weather, for even during the peak of summer you may encounter a severe storm that results in a flash flood. There's something about the heat that inspires summer rain, and if you are unfortunate to get caught in foot-high water or higher without the proper insurance policy, you could find your dreams of a quick recovery easily washed away.

Flood Insurance Quote - Do Your Research

Wed, 20 Jul 2011 09:35:19 -0500

Images of the floods which had such a heart-wrenching impact on Queensland and Victoria earlier in the year, really stick in your mind. It's a big reminder of the all-consuming strength of nature, & the very real importance of our property and ourselves, all of the time. If you live in a flood-prone area, insurance will offer some peace of mind that your home or business, which you spent many years establishing, will be protected if the unthinkable happens.

4 Solid Reasons to Make Sure You Are Protected By Flood Insurance

Fri, 24 Jun 2011 09:10:06 -0500

Imagine having to evacuate your home following a hurricane or flood warning. With little time to pack, you grabs what is most precious to you, get the family into the car, and head for higher ground. Coming home afterward, you find your home and surrounding area has sustained damage - maybe some of it can be repaired, but there's a good chance you might lose some valuable possessions to storm damage. With flood insurance coverage, however, you may receive due compensation for your losses.

Flood Insurance - Once the Mississippi or Missouri River Floods, It's Too Late to Buy It

Wed, 22 Jun 2011 10:01:51 -0500

If the floodwaters have already breached the Missouri River, or the Mighty Mississippi and that water is coming down your street then it is too late to buy flood insurance. I am often reminded by the famous quote; "When did Noah build the ark? Before the flood, remember?"

Funding For Flooding

Mon, 20 Jun 2011 10:30:14 -0500

The governmental division in charge of dealing with problems pertaining to flooding is the Department for Environment, Food and Rural Affairs (DEFRA) and they have released preliminary information concerning spending over the next four years. Though exact budgets are yet to be finalised, the ultimate amount to be allocated to flooding and coastal erosion is predicted to be at least 2.16 billion (equating to an average of 540 million per year).

When Should I Consider Purchasing Flood Insurance?

Wed, 15 Jun 2011 15:50:54 -0500

If you have ever considered purchasing flood insurance, than you know that a policy will not take effect until thirty days after you enroll. This is designed to encourage people to get coverage well before seasons where inclement weather is more likely, and it's also a means to prevent insurance fraud. Therefore, if you wish to get a flood insurance policy on your home, the short answer is well before the rainy or hurricane season in your area. As for why you should have this insurance, there are many reasons to take into consideration.

An Inexpensive and Effective Alternative to Flood Insurance

Mon, 13 Jun 2011 11:42:52 -0500

A sump pump is very valuable, especially for someone who wants to have flood insurance but for whatever reason cannot obtain such insurance. Learn the many ways sump pumps are valuable to a homeowner.

Does Your Flood Insurance Include Purposeful Government Sanctioned Preemptive Flooding?

Fri, 27 May 2011 08:14:29 -0500

Indeed, 2001 was a terrible year for the United States with regards to flooding. We watched as the Mississippi and Missouri River both breached levees in many states. We also noted the incredible snow pack in Colorado, Montana, Idaho, Nevada, and California and the runoff in June of 2001 was significant, causing all sorts of flooding, and some rather serious incidents as you already know.

Keeping Children Safe During Floods

Wed, 18 May 2011 09:21:39 -0500

Floods are a danger to everyone, but even more so for children. Children are unaware of the hazards present in a flood so extra care needs to be taken to protect them from harm. Flood water is contaminated with varieties of different bacteria's which can spread harmful diseases, as well as the fact that they are at an increased risk of drowning.

Buy Flood Insurance Before It Is Too Late - Noah Knew That

Mon, 16 May 2011 08:17:14 -0500

When did Noah build the ark? Before the flood right, yes, and that was his insurance to save all the Earth species, as the story goes. Likewise, before the flood is when you ought to buy flood insurance as well.

Flooding - Reporting a Flood

Thu, 12 May 2011 11:39:50 -0500

Flooding isn't defined into a single type, there are actually several types which can be encountered anywhere any time. Reporting these problems to the appropriate authorities as soon as possible means that they will be dealt with more quickly but first you need to know which authorities to contact for which types of floods.

Protecting Your Home Against the Losses Involved With Flood Damage

Fri, 15 Apr 2011 16:32:15 -0500

When buying a home within a flood zone you are required to purchase flood insurance through FEMA, Federal Emergency Management Agency. This coverage protects homeowners and mortgage companies. It protects from the losses that occur from water damage to your homes structure and contents when flood damage wreaks havoc to your home.

Insurance to Cover Insurance

Thu, 14 Apr 2011 15:10:30 -0500

Yes it has come to this. Customers who honorably pay their inflated insurance premiums dutifully and on time have to wonder what games their insurance company will play to deny or reduce their claim should the time arise that they ever need to file a claim. This insurance lunacy runs the gambit of all insurance arenas including auto, health, life, and property and has customers so scared of being denied or canceled when they file a legitimate and contractually obligated claim that people who have acute chest pains, for example, refuse to get checked out as they do not want...

4 Huge Risks When It Comes to Water Damage in Crawlspaces

Tue, 12 Apr 2011 09:08:41 -0500

Flood damage to a basement or crawl space can be a potential nightmare to cleanup as it poses several different risks. Most homeowners never enter their basement for even several years at a time and are often clueless about how to go about doing water restoration work in a basement or crawlspace.

The Importance of Home Flood Insurance

Mon, 11 Apr 2011 16:19:42 -0500

Homes near major bodies of water should be protected from flooding through a home flood insurance. This insurance covers damages caused by rising water.

Home Flood Insurance

Mon, 04 Apr 2011 15:17:51 -0500

Home flood insurance is a must for every homeowner. Remember that you can never predict nature so it is best to have protection for your home and family.

Japans Catastrophe and Why You Should Buy Flood Insurance Today: Time Is of the Essence

Fri, 25 Mar 2011 09:41:52 -0500

The tragic and recent events in Japan have once again reiterated just how important it is to have flood insurance to go with your home insurance policy, and the time to get it is now.? Fortunately for Japan, it is very much at the front of technology when it comes to having construction reinforced for earthquakes. However, no one could have predicted the extent of damage that has occurred not because of the earthquake, but because of the ensuing tsunami that immediately followed.

Flood Insurance: What You Need To Know

Tue, 08 Mar 2011 10:51:29 -0600

Flood insurance is essential because of the many flood cases occurring in the different parts of the country. Such insurance will help protect your property, as flood can be devastating. It is one of the major causes of damages in many households. If you do not want to feel helpless after a flood destroys your property, get one.

Fire And Flood Insurance - The Most Common Insurances

Mon, 28 Feb 2011 12:49:01 -0600

While you may well expect an earthquake in Los Angeles or Haiti and, as such, you'd be in a rush to insure your building, if you own it, maybe you'd not be as eager to insure your building against floods, if it is placed in an area where traditionally they don't take place. But even if Al Gore with his movie 'An Inconvenient Truth' hasn't succeeded to convince you as regards global warming, climate changes have become pretty obvious for everyone, so it's hard to dismiss them.

The Benefits of Using an Independent Restoration Company to Fix Your Water Damaged Asset

Wed, 23 Feb 2011 16:24:07 -0600

The adjuster does not want you to know how using an Independent Restoration Company can save your home, business, or asset. Learn why!

Insure Your Home Against Natural Disasters

Mon, 07 Feb 2011 08:47:53 -0600

Are you familiar with the term "all risk" insurance? Your answer is probably 'yes, of course'. But are you sure you understand it properly? You may feel inclined to think that it covers all hazards, as the name implies. It is indeed the broadest kind of property policy that can be acquired, but this doesn't mean that it indemnifies all losses. Only losses which are not specifically excluded are automatically covered.

Why Are Insurances Good?

Mon, 31 Jan 2011 11:09:27 -0600

First, we need insurances because, unlike we thought, we have never succeeded to tame nature, but quite the contrary; given that civilization arose from our fighting against nature, it has developed in this adverse manner until - with the climate change or what not, supposedly provoked by humans - it affected nature to such an extent as to turn it against us, in the form of unexpected floods in unexpected places, volcano eruptions, hurricanes, tornadoes, in other words, all the natural calamities that can destroy our lives and our businesses in a matter of seconds. Secondly, we need insurances because, as Voltaire with his critical spirit mocked Leibniz's philosophy, according to which we live in the best of all possible worlds, showing that neither our world is perfect, nor are we, man is full of foibles, among which the temptation to steal.

Flood Insurance: Read the Fine Print

Tue, 18 Jan 2011 14:00:05 -0600

There are three types of flood insurance that everyone needs to be aware of. While it is not limited to these definitions, these are what you find in most policies. There is the exception of some insurance companies not including any kind of flood insurance, so read carefully. Better yet, if you want to educate yourself about flood insurance, read on!

How to Protect Your Property From Flood Damage

Thu, 13 Jan 2011 15:55:43 -0600

If there's one thing usually guaranteed with winter, it's a lot of rain. Flooding is one of the most devastating things that can happen to a home owner, so read on to find out more on protecting your home.

What Does Flood Insurance Cover Exactly?

Fri, 03 Dec 2010 08:01:51 -0600

A lot of people are perplexed by what exactly flood insurance is and what it covers. After Hurricane Katrina hit, many homeowners in New Orleans were upset to find that their losses were not sheltered. So, what does flood insurance cover?

What Does Flood Insurance Cover?

Tue, 30 Nov 2010 11:50:38 -0600

Flood Insurance is just as straightforward as it seems, it is an insurance policy that protect against losses due to flooding. Flood insurance is something that is necessary in some neighborhood. The coverage is dissimilar depending if your area is residential or a commercial area that is being insured. So what does flood insurance cover exactly?

Purchasing Renters Flood Insurance?

Mon, 22 Nov 2010 13:35:01 -0600

Natural disasters like Earthquakes and Floods are excluded in a standard insurance homeowner's insurance policy and if you live in an area that has a high-risk of being flooded then you do need to buy Renters Flood Insurance. Do you know that there is a federal agency that might be able to convince you that Renters Flood Insurance is a real necessity? You can try searching on the net for the Federal Emergency Management Agency which can give you information about what state or area is at flood-risk.

Understanding How the National Flood Insurance Program Works

Thu, 18 Nov 2010 13:06:26 -0600

In the past, it could be difficult to and secure flood insurance. Thanks to the NFIP, insurance is available for almost all high-risk communities. What is the National Flood Insurance Program, and how does it help communities in peril?

What You Need to Know Before You Call an Insurance Company About Water Damage

Wed, 17 Nov 2010 09:00:29 -0600

When your home or business has suffered from water damage it is important you work quickly to prevent more water damage. Use these expert tips to be compensated faster by your insurance company.

Does My Home Insurance Policy Cover Floods?

Mon, 25 Oct 2010 08:39:05 -0500

When you start thinking about insurance, there are a lot of different terms and policy options that can be easily misunderstood. Many consumers don't realize the full extent of what their policies do and don't cover, some don't understand what their deductibles and limits are, and others aren't sure whether or not special situations are covered in their auto or homeowners policies. All of these sources of confusion are easy to remedy with a call to your insurance agent or a quick read of your policy.

Insurance Quotes In Regards With Floods

Tue, 19 Oct 2010 11:23:39 -0500

Here goes a brief description in order to give you information about something that is of extremely new nature; by new I mean to say that many people are aware about it that and the name of that new terminology is floods insurance. It also tells you that how can one get this insurance and what should be important for you to take into your consideration.

House Insurance - Should Flood Cover Be Included?

Fri, 24 Sep 2010 07:34:13 -0500

A look at the subject of house insurance and some of the inclusions within policies. Specifically, this article takes a look at flood insurance and the UK categories that properties are placed in.

Insurance - Natural Peril Exclusions - Flood

Tue, 21 Sep 2010 15:59:23 -0500

Flood is commonly covered by ARPI policies but, on occasions, some policies exclude it or, alternatively, provide the client with the option of extending the policy to cover it as an additional peril. The meaning of flood has been considered infrequently in the English courts and, the courts have first to consider the meaning of flood in the context of the policy as a whole. In the case Young v. Sun Alliance and London Insurance Ltd. [1976] 3 All ER 561, where the word "flood" was incorporated in a phrase with "storm and tempest", it was held not to cover damage caused by three inches of water leaking into a bathroom from an underground spring-storm and tempest suggested a more violent event.

Why Should I Purchase a Flood Insurance Policy?

Mon, 30 Aug 2010 14:49:19 -0500

People are faced with so many types of personal hardships it can sometimes be a little overwhelming. Protecting you and your family from financial losses or these hardships is important. There are a few things that you can do to protect yourself and your family from the devastation of a flood.

What is Flood Insurance and Why Do I Need It?

Mon, 30 Aug 2010 14:19:34 -0500

Weather can be extremely unpredictable. No matter where you live, protecting your home with flood insurance coverage from a respected insurance agent is highly recommended. Whether you are in a designated flood zone or not, it is important to speak to you insurance agent to find out the best flood insurance protection for you and your family.

Hurricane Katrina - Five Year Anniversary

Wed, 25 Aug 2010 15:53:27 -0500

Hurricane Katrina was easily the most devastating natural disaster to hit U.S. shores and its financial and emotional effects are still felt, even five years later. As we distance ourselves from the pain of the devastation we are given the opportunity to learn from the mistakes that not only caused much of the damage from the disaster but also inhibited some of the progress that might have been experienced after.

Six Ways to Save on Flood Insurance!

Tue, 10 Aug 2010 08:49:37 -0500

Don't pay too much for flood insurance! Here are some suggestions that could save you money.

The Benefits of Flood Insurance and Who Needs to Have It

Wed, 21 Jul 2010 12:56:54 -0500

Flood insurance is a separate type of policy that should be purchased by anyone who lives in an area that is at high risk for flooding because most if not all standard home insurance policies don't cover two things - Earthquakes and floods. And for people who live in high to moderate risk areas for floods, there is a 26% chance that your home will experience some flood damage in the thirty year period that you hold your mortgage. Even just a few inches of water going through your home can create massive damage.

Restore the Natural Conditions of a Flood Water Damage Basement

Mon, 12 Jul 2010 13:44:24 -0500

Aside from having the basement flooded because of persistent rain and similar weather conditions, there is also the possibility of standing flood water in the basement caused by previous heavy rains. Both situations can bring serious health and safety hazards for everyone in the family.

What You Need to Know About Roof Water Damage

Mon, 12 Jul 2010 13:18:10 -0500

The importance of keeping the roof maintained and in good condition is basically common sense. After all, this is the part of the house that protects the residents and family members from the environment. Damage to the roof via water is a very worrying scenario, for numerous reasons.

Flood Insurance - Is Your Area Prone to Flooding?

Fri, 25 Jun 2010 17:32:43 -0500

Do you live in an area that is prone to flooding? Do you also know that your ordinary homeowner's insurance policy will not cover you for flood damage? Anything from rivers bursting their banks to city storm drain back-ups, tidal surges and rain that can be driven into your home during a storm are not covered by your home insurance.

Are You Flooded?

Fri, 25 Jun 2010 09:32:44 -0500

There are certain things in life that we have no control over them. Natural disasters such as floods is one of these things but by having the proper insurance you can have peace of mind.

Discover the Importance of National Flood Insurance

Tue, 22 Jun 2010 17:13:45 -0500

Do you know what Flood Insurance costs and if you need it or not. It is rather inexpensive compared to the damage and cost it could have on your property.

Does Anyone Really Need Flood Insurance?

Mon, 21 Jun 2010 16:41:07 -0500

When people think about paying for yet another type of insurance in addition to their car and home, they often wonder does anyone really need flood insurance. In fact, there are many reasons that everyone should have at least minimal coverage in the event of a flood. Like all types of insurance, it seems like a waste of money until an incident occurs and then many people regret their decision to roll the dice.

Now I Am in a High Risk Flood Zone

Thu, 17 Jun 2010 10:00:52 -0500

Flood zone ratings for many homes that where previously considered low risk has recently been changed to being considered a high risk flood zone. There are many homeowners across the nation who find that their homes are in this position.

What Homes Are Eligible For Grandfathering?

Thu, 17 Jun 2010 09:10:39 -0500

Your home can qualify for grandfathering two ways. If your carried continuous flood insurance on your home while the area that you live was rated as a low risk and the area is changed to a high risk flood zone, your policy will remain on what is called a preferred policy.

Understanding Property and Flood Insurance For Us Common People

Mon, 14 Jun 2010 10:06:22 -0500

Minimizing future risk through insurance Owning a home, car or a business comes with big responsibilities and even bigger risks. These risks can meet with problems that cause havoc to our assets, our property, our health or our own lives. It is beneficial to take advantage of insurance policies being offered by many reputable companies.